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Point-of-service (POS) plans are one of the many options of health insurance available to you and your family. A unique type of health plan, POS plans can be considered a hybrid of HMO and PPO plans. POS plans contain some characteristics of each of these, which some people may find profitable. Below is an overview of some advantages and disadvantages of a POS program compared to other programs.
Benefits of a POS Plan
- No deductible. One of the most obvious advantage of a POS plan is a lack of allowances for doctors in your community. This means you do not have to make any payments toward your medical expenses on their own before the insurance begins to reimburse you. PPOs, on the other hand, the subtraction.
- Low co-payments. POS plans have lower co-pays than PPOs. When you have a medical expense, you will only pay for a small part of the co-pay, and POS plan will cover the rest of the cost.
- More choice and freedom to choose. Unlike HMOs provide POS plans even partial coverage for doctors who are not within the network. This means that if you are not satisfied with the choices available in the network for a certain medical treatment, you can see a doctor out of the network and still have some coverage.
Disadvantages a POS Plan
- The POS plan, you must choose a primary care provider (PCP). This doctor serves as the main doctor all medical needs. He or she can refer you to specialists in the network if you have a specific health concern. In order to go to the doctor to drop as in-network visit, you will go through a PCP to see a specialist.
- If you go out-of-network doctor, has only a limited review. You must pay a deductible and higher co-payments than you would have in-network doctors.
Choose the Right Health Insurance Plan
If you are satisfied with the doctors who are in the network and do not mind to have a health care provider that you must go through to get coverage, the POS plan may be ideal for you. Often PCP or specialists he or she refers you to can reach all common medical needs. However, if you have specific diseases that need to frequently visit doctors outside of the POS system, you may be better off finding a plan that covers you the doctors instead.
The greater choice and freedom of doctors, lower co-payments, and zero deductible for in-network doctors make POS attractive option you may want to consider. For more information on POS health insurance plans and that: The other options are available to you, please visit Texas health insurance company Health Option – 1 here .
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Source by Joseph Devine